社会互动对商业养老保险购买的影响及其异质性

Impact of Social Interaction on the Purchase of Commercial Endowment Insurance and Its Heterogeneity

使用2017年中国综合社会调查数据,本文运用因子分析法从正式互动和非正式互动两个维度构造了社会互动变量,实证分析了社会互动对商业养老保险购买的影响。研究发现:社会互动叠加了伙伴群体效应和群体示范效应对居民的保险购买有积极影响;进一步地,社会互动的影响具有空间和人群的异质性,其对东部、中部地区和城市居民的保险购买有正向影响,对初等、高等学历和高收入居民也有积极影响,但对西部地区、农村居民以及低收入、中等学历居民没有影响。提升商业养老保险购买率需要相关部门采取措施激发社会互动的正向影响。

Using the 2017 China General Social Survey data,this paper uses factor analysis method to construct social interaction variables from two dimensions of formal interaction and informal interaction,and empirically analyzes the impact of social interaction on residents’purchase of commercial endowment insurance.The results show that social interaction combined with partner group effect and group demonstration effect has a positive effect on residents’insurance purchase.Furthermore,the impact of social interaction has spatial and population heterogeneity.Social interaction has a positive effect on the insurance purchase of residents in the eastern and central regions and urban areas and residents with primary and higher education and high income,but has no effect on the insurance purchase of residents in the western regions,rural residents,and residents with middle education.To increase the purchase rate of commercial endowment insurance requires that relevant departments should take measures to stimulate the positive influence of social interaction.